This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.bcbsnm.com/coverage or by calling 1-877-878-LANL (5265). Important Questions Answers Why this Matters: What is the overall deductible? Preferred Provider $150/Indiv $450/Family Doesn t apply to certain preventive care. Copays don t count toward the overall deductible. You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when the deductible starts over (usually, but not always, January 1st). See the chart starting on page 2 for how much you pay for covered services after you meet the deductible. Are there other deductibles for specific services? Is there an out of pocket limit on my expenses? What is not included in the out of pocket limit? Does this plan use a network of providers? Do I need a referral to see a specialist? Are there services this plan doesn t cover? No. Yes. Preferred Provider $2,000/Indiv $6,000/Family Premiums, penalty amounts, and health care this plan doesn t cover. Yes. You must use an in-network provider for covered services. Please call 1-877-878-LANL (5265) or see www.bcbsnm.com No. Yes. You don t have to meet deductibles for specific services, but see the chart starting on page 2 for other costs for services this plan covers. The out-of-pocket limit is the most you could pay during a coverage period (usually one year) for your share of the cost of covered services. This limit helps you plan for health care expenses. Even though you pay these expenses, they don t count toward the out of pocket limit. If you use an in-network doctor or other health care provider, this plan will pay some or all of the costs of covered services. Be aware, your in-network doctor or hospital may use an out-of-network provider for some services. Plans use the term innetwork, preferred, or participating for providers in their network. See the chart starting on page 2 for how this plan pays different kinds of providers. You can see the specialist you choose without permission from this plan. Some of the services this plan doesn t cover are listed on page 5. See your policy or plan document for additional information about excluded services. 1 of 8
Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service. Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the plan s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if you haven t met your deductible. The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.) This plan may encourage you to use preferred providers by charging you lower deductibles, copayments and coinsurance amounts. Common Medical Event Services You May Need Your Cost If You Use an In-Network Provider Limitations & Exceptions Primary care visit to treat an injury or illness $20 copay/visit Deductible waived If you visit a health care provider s office or clinic Specialist visit $20 copay/visit Deductible waived Other practitioner office visit $20 copay/visit Preventive care/screening/immunization No Charge ---none--- Acupuncture max. 20 visits/year; Spinal Manipulation/Naprapathy combined max. 20 visits/year. If you have a test If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.bcbsnm.com/ member/ rx_drugs.html. Diagnostic test (x-ray, blood work) ---none--- Imaging (CT/PET scans, MRIs) Requires preauthorization Generic drugs Preferred brand drugs Non-preferred brand drugs Specialty drugs $15/Retail - $30/Mail $30/Retail - $60/Mail $45/Retail - $90/Mail $45/Retail Retail prescriptions are limited up to a 30-day supply or 180 units, whichever is less. Mail-Order prescriptions are limited to a 60- or 90- day supply or 540 units, whichever is less. Specialty Drugs are not available through mailorder. 2 of 8
Common Medical Event Services You May Need Your Cost If You Use an In-Network Provider Limitations & Exceptions If you have outpatient surgery If you need immediate medical attention If you have a hospital stay Facility fee (e.g., ambulatory surgery center) ---none--- Physician/surgeon fees ---none--- Emergency room services $75 copay/visit Emergency medical transportation ---none--- Urgent care $20 copay/visit Deductible waived PPO Deductible waived for ER facility; ER physicians are subject to deductible & coinsurance. Facility fee (e.g., hospital room) Requires preauthorization. Physician/surgeon fee Requires preauthorization. If you have mental health, behavioral health, or substance abuse needs Mental/Behavioral health outpatient services Mental/Behavioral health inpatient services Substance use disorder outpatient services Substance use disorder inpatient services Office - $20 copay Other Outpatient Services - Office - $20 copay Other Outpatient Services - PPO Deductible waived for office. Other Outpatient includes IOP and Partial Hospitalization(Requires preauthorization) Inpatient Services include Residential Treatment Center. Inpatient services require preauthorization. PPO Deductible waived for office. Other Outpatient includes IOP and Partial Hospitalization(Requires preauthorization) Inpatient Services include Residential Treatment Center. Inpatient services require preauthorization. 3 of 8
Common Medical Event If you are pregnant Services You May Need Prenatal and postnatal care Your Cost If You Use an In-Network Provider $20 copay/visit Limitations & Exceptions Copay charged for initial visit only. Deductible waived. Delivery and all inpatient services Requires preauthorization. Home health care Max. 100 visits/year If you need help recovering or have other special health needs Rehabilitation services Habilitation services Skilled nursing care $20 copay/visit $20 copay/visit Deductible waived. Includes Physical, Occupational, and Speech Therapies (office/outpatient) max. 20 visits/year per therapy. Deductible waived. Includes Inpatient Physical Rehabilitation max. 100 days/year and requires preauthorization Durable medical equipment ---none--- Hospice service Deductible waived. Eye exam No Charge For Dependents age 18 or younger. If your child needs dental or eye care Glasses Not Covered Dental check-up Not Covered If dental coverage purchased, see your dental plan information. 4 of 8
Excluded Services & Other Covered Services: Services Your Plan Does NOT Cover (This isn t a complete list. Check your policy or plan document for other excluded services.) Cosmetic Surgery Dental Care (Routine dental for adults) Infertility Treatment (Unless for medical condition causing the infertility) Long-Term Care Private Duty Nursing Routine Eye Care (Adult) Routine Foot Care (Unless you are diabetic) Weight Loss Programs Other Covered Services (This isn t a complete list. Check your policy or plan document for other covered services and your costs for these services.) Acupuncture (Max. 20 visits/year) Bariatric Surgery (Must meet medical criteria) Chiropractic Care/Spinal/Naprapathy (Max. 20 visits/year) Hearing Aids (For members age 21 and younger; up to maximum 2 hearing aids every 3-years) Hearing Aids for adults (For members age 22 and older max $2,200 for any 3-year period) Non-emergency care when traveling outside the U.S. Your Rights to Continue Coverage: If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health coverage. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium you pay while covered under the plan. Other limitations on your rights to continue coverage may also apply. For more information on your rights to continue coverage, contact the plan at 1-800-432-0750. You may also contact your state insurance department, the U.S. Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or www.dol.gov/ebsa, or the U. S. Department of Health and Human Services at 1-877-267-2323 x. 61565 or www.cciio.cms.gov. Your Grievance and Appeals Rights: If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For questions about your rights, this notice, or assistance, you can contact Blue Cross and Blue Shield of New Mexico (BCBSNM) Appeals Unit at 1-800-205-9926. You may also contact the U.S. Department of Labor s Employee Benefits Security Administration at 1-866-444-EBSA (3272) or visit www.dol.gov/ebsa/healthreform. Additionally, a consumer assistance program can help you file your appeal. Contact the New Mexico Superintendent of Insurance toll-free at 1-855-427-5674 or www.osi.state.nm.us. 5 of 8
Does this Coverage Provide Minimum Essential Coverage? The Affordable Care Act requires most people to have health care coverage that qualifies as minimum essential coverage. This plan or policy does provide minimum essential coverage. Does this Coverage Meet the Minimum Value Standard? The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value). This health coverage does meet the minimum value standard for the benefits it provides. Language Access Services: Spanish (Español): Para obtener asistencia en Español, llame al 1-800-432-0750. Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-800-432-0750. Chinese ( 中 文 ): 如 果 需 要 中 文 的 帮 助, 请 拨 打 这 个 号 码 1-800-432-0750. Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-800-432-0750. To see examples of how this plan might cover costs for a sample medical situation, see the next page. 6 of 8
Coverage Examples National EPO for Retirees with Medicare Coverage Period: 01/01/2015 12/31/2015 Coverage for: Individual/Family Plan Type: EPO About these Coverage Examples: These examples show how this plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might get if they are covered under different plans. This is not a cost estimator. Don t use these examples to estimate your actual costs under this plan. The actual care you receive will be different from these examples, and the cost of that care will also be different. See the next page for important information about these examples. Having a baby (normal delivery) Amount owed to providers: $7,540 Plan pays $6,720 Patient pays $820 Sample care costs: Hospital charges (mother) $2,700 Routine obstetric care $2,100 Hospital charges (baby) $900 Anesthesia $900 Laboratory tests $500 Prescriptions $200 Radiology $200 Vaccines, other preventive $40 Total $7,540 Patient pays: Deductibles $150 Copays $20 Coinsurance $500 Limits or exclusions $150 Total $820 Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: $5,400 Plan pays $4,240 Patient pays $1,160 Sample care costs: Prescriptions $2,900 Medical Equipment and Supplies $1,300 Office Visits and Procedures $700 Education $300 Laboratory tests $100 Vaccines, other preventive $100 Total $5,400 Patient pays: Deductibles $150 Copays $800 Coinsurance $130 Limits or exclusions $80 Total $1,160 7 of 8
Coverage Examples National EPO for Retirees with Medicare Coverage Period: 01/01/2015 12/31/2015 Coverage for: Individual/Family Plan Type: EPO Questions and answers about the Coverage Examples: What are some of the assumptions behind the Coverage Examples? Costs don t include premiums. Sample care costs are based on national averages supplied by the U.S. Department of Health and Human Services, and aren t specific to a particular geographic area or health plan. The patient s condition was not an excluded or preexisting condition. All services and treatments started and ended in the same coverage period. There are no other medical expenses for any member covered under this plan. Out-of-pocket expenses are based only on treating the condition in the example. The patient received all care from innetwork providers. If the patient had received care from out-of-network providers, costs would have been higher. Blue Cross and Blue Shield of New Mexico (BCBSNM), A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association. What does a Coverage Example show? For each treatment situation, the Coverage Example helps you see how deductibles, copayments, and coinsurance can add up. It also helps you see what expenses might be left up to you to pay because the service or treatment isn t covered or payment is limited. Does the Coverage Example predict my own care needs? No. Treatments shown are just examples. The care you would receive for this condition could be different based on your doctor s advice, your age, how serious your condition is, and many other factors. Does the Coverage Example predict my future expenses? No. Coverage Examples are not cost estimators. You can t use the examples to estimate costs for an actual condition. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charge, and the reimbursement your health plan allows. Can I use Coverage Examples to compare plans? Yes. When you look at the Summary of Benefits and Coverage for other plans, you ll find the same Coverage Examples. When you compare plans, check the Patient Pays box in each example. The smaller that number, the more coverage the plan provides. Are there other costs I should consider when comparing plans? Yes. An important cost is the premium you pay. Generally, the lower your premium, the more you ll pay in out-ofpocket costs, such as copayments, deductibles, and coinsurance. You should also consider contributions to accounts such as health savings accounts (HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses. 8 of 8